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Arizona Home Owner Insurance -- Great Tips For Cheaper Rates

Apr 11, 2008
Affordable Arizona home insurance: It's truly very easy for everyone to buy the right coverage at a low price. The only things that stand between you and attracting a better rate at the moment are the right information and a resolve to use the recommendations you get. Let's look at a few proven ways to get this done...

1. Do your best to place fire extinguishers at important points in your home. Your kitchen is one important place to have one or more functional fire extinguishers. And do ensure that it's such that is proper for the kitchen in question.

Ensure they are within easy reach and ensure they are working well. This will help lower your home insurance premium.

2. A higher Deductible will guarantee lower Arizona home insurance quotes.

For those who don't understand what a deductible is, it is the amount you're bound to pay whenever you make a claim before the insurance company pays according to your policy terms. $250 is normally the lowest deductible offered in home insurance.

By increasing your deductible to $500 you'll probably save around twelve percent. You can make savings of close to twenty-four percent if you choose to raise it to $1000. The amount you'll save for each deductible amount will differ depending on your insurance company.

3. Using the same insurer for more than one policy will get you discounts. This qualifies you for a multi-policy discount.

But you might make more savings with different insurance providers than you'll get from a multi-policy discount.

4. You make your house almost disaster proof thereby lowering your risk and, as a result, your home insurance rates. You can do this by taking all the important precaution against fire and burglary in addition to the following depending on where you live...

a. If you reside in an area that is so likely to wind damage, you'll save more by having storm shutters.

b. Those who live in areas of high winds will make their home more secured if they use heavy roofing material.

c. If earthquake is a peril that your area is prone to then make sure you retrofit you home.

d. Dry limbs on trees could easily cause a lot of liability issues. So make sure you cut off all dry or dead limbs on trees on your property.

e. You'll also do well if you keep your trees at a safe distance from your house for many reasons. A tree can aid burglars and their branches can also fall off and damage part of your building. It could also lower the lifespan of your roof depending on the material.

Your agent will help you with other things that you can do to make your home a less risk to your insurance company. It is also important to check if the discount you will get justifies the cost of applying the recommendations.

Taking all these steps will help you lower your home insurance rates.

5. Get a group Arizona home owners insurance policy if it's within your reach because you'll pay less with it. It's also good to check with associations you belong to if they have any group discount from any insurer.

I will, however, advise that you still get and compare quotes from other insurers that your association may have no group discounts with. For several reasons you might be better off NOT buying from a particular group's insurer.

Therefore, it really does pay to do extensive comparison shopping if you want the best premiums.

6. You will save a lot by visiting a minimum of five Arizona home insurance quotes sites. This will help you increase your chances of getting the lowest quotes available for your profile. And all it takes is just a few minutes per site.
About the Author
For folks who want to save much, this reputable quotes site is good for comparison shopping: Homeowners Insurance Arizona Quotes. Chimezirim Odimba has written more than 1,500 published articles on insurance.
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